Kupanga Inshuwalansi ya Umoyo Yodalirika ndi HDHP
Ma HDHP oyenerera ndi mapulani omwe amakwaniritsa zofunikira za anthu omwe akukonzekera momwe angagwiritsire ntchito ndalama zosungirako zaumoyo kapena akaunti ya kubweza ndalama kuti athandizire ndalama zambiri. Otsutsa ena amakhulupirira kuti mapulani ochepetsetsa a zachipatala amawononga abwenzi chifukwa salipira malipiro awo pachaka chaka chisanachitike, kotero amachepetsa kuchepa mpaka nthawi imeneyo.
Komabe, abwana ambiri amapereka njira zothandizira zaumoyo, ndipo HDHPs ndizokonzekera zoperekedwa, kunja kwa ma HMO ndi zosankhidwa zomwe mungapereke.
Kodi HDHP Imachita Zotani?
Olemba ntchito angasankhe mtundu wa HDHP woperekedwa kwa ogwira ntchito. HDHP ikhoza kulola kugawidwa kwa intaneti, mofanana ndi HMO, kapena kulola kutuluka kwina, monga ndondomeko ya POS kapena PPO. Ngati ndondomeko imakhala yokhazikika, mamembala sangathe kutuluka kunja kwa intaneti pokhapokha ngati mutapereka ndalama.
Pulani yomwe imalola kuti phindu lonse likhale lopindulitsa, mamembala amalandira ubwino wambiri mwa kukhala mu-intaneti. Mapindu onse omwe amapezeka kudzera mu HDHP, kuphatikizapo mankhwala osokoneza bongo ngati ataperekedwa, ayenera kugwiritsira ntchito pa deductible.
Zambiri, koma osati zonse, ndondomeko za HDHP zidzakumbukira madokotala ochiritsira komanso osamalirira, ngakhale kuti izi sizikufunika.
Ndondomeko ya HDHP sichikutanthauza kubweza ndalama zoyamba zothandizira monga chithandizo, katswiri ndi ma laboratory. Mmalo mwake, iwo akutanthauza kubisa zochitika zoopsa monga matenda aakulu kapena kupita kuchipatala. Konzani okonza mapulani akuyembekezeredwa kulipira ofesi ya zachipatala ndi malipiro a ndalama mpaka mutha kukwanitsa. Pamene mamembala amatha kufika pamtundu wapamwamba, zonse zothandizira zachipatala zimaphimbidwa mopanda malipiro.
Kodi HDHP Yotayidwa ndi Yotani Kwambiri?
Mamembala a HDHP ali ndi ndalama zowonjezereka zapadera zomwe zimaperekedwa pafupipafupi, monga momwe ndondomekoyi ikusonyezera. Ndalamayi ndi ndalama zomwe wothandizira ndalama ayenera kuzigwiritsa ntchito kuchokera m'thumba lake asanalowetsedwe. Pafupifupi gawo limodzi la ndalama zoterezi zimapangidwa ndi HSA kapena HRA. Monga gawo la malamulo, pali malire osachepera omwe amaikidwa chaka ndi chaka ndikusinthidwa kuti apite kuntchito, pofuna kukonzekera kukhala HDHP.
Internal Revenue Service (IRS) imapanga malire apachaka a mapulani akuluakulu okhudzana ndi thanzi.
Deductible Ochepa:
- Aliyense: 2016 - $ 1,300
- Banja: 2016 - $ 2,600
Pakati pa ndalama zowonongeka ndi ndalama zambiri zomwe wothandizira amalipira musanayambe kupereka thandizo lachipatala popanda ndalama.
Pakati pa phukusi la ndalama zonse zimaphatikizapo ndalama zopereka ndalama zowonjezera. Osaphatikizidwepo pamtundu wapamwamba wopezeka pa moyo wanu nthawi zonse, phindu, mwambo ndi wololera (UCR) ndalama, malire omwe alipo kale ndi zofunikira zisanafike. Mofanana ndi HDHP yochepa, ndalama zowonjezera zimasinthidwa chaka chilichonse kuti zitheke.
Kutalika Kwambiri kwa Pocket:
- Aliyense: 2016 - $ 6,550
- Banja: 2016 - $ 13,100
Palinso IRS yomwe imavomerezedwa kupeza zotsatira kwa omwe ali 55 kapena kuposa $ 1,000 payekha.
Ubwino kwa Olemba Ntchito
Popeza ma HDHP sapereka chithandizo chokwanira cha umoyo, amapereka malipiro otsika kwambiri kwa wogula. Ndi zopereka zapamwamba, zimaganizidwa kuti mamembala sangathe kukaonana ndi dokotala pokhapokha ngati akufunikira mankhwala. Zimaganiziranso kuti odwala adzafunsira ntchito zaumoyo zomwe zimapindulitsa ndalama.
Kugwiritsira ntchito HSA kapena HRA ndi HDHP kungathandizire kuchepetsa mtengo wamtengo wapatali, kapena kufunafuna njira zodzibwezera nokha ndi opereka omwe amapereka zotsatsa. Ndondomeko ya HDHP ikutanthauza kuti ogwira ntchito amalipira gawo la mkango wa ndalama zomwe zimaperekedwa, ndikusunga ndalama kwa aliyense.